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Additionally, we just had a new furnace and air conditioner installed and the furnace has a variable speed motor, which means the fan is always on, taking air from the entire house and essentially recirculating it to eliminate temperature fluctuations. I have a furnace with a variable speed motor, ...

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Several posts have mentioned a standalone POE switch. However, some NVRs have POE built in, so cameras can be connected directly to the NVR using Ethernet cables (e.g. Cat 5e or cat 6). That way the cameras are powered by the Ethernet cable and batteries are not needed. Here is an example on YouTube...

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I know someone who's social security card was not accepted by the DMV when applying for a driver's license because it was laminated. The person was not arrested though :happy . I actually find it strange that social security cards are used for identification purposes. Mine actually says right on th...

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It is a good idea to have documents in place so that an individual's healthcare choices are documented. This may include documents such as the following as appropriate: - advanced medical directive/living will - medical durable power of attorney - DNR ( do not resuscitate) - DNI (do not intubate) - ...

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I have been asked to show birth certificate and social security card. Mine is laminated. I haven't been sent to jail yet. (Nor has anyone cared.) I know someone who's social security card was not accepted by the DMV when applying for a driver's license because it was laminated. The person was not a...

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Note that there are these conditions: Do one of the following: To place the order using the shopping cart: Proceed to checkout. Ship your items to a single U.S. address in one of the 50 states. Select Group my items into as few shipments as possible as your shipping preference. Select FREE Shipping ...

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I'm not a prime member and I get these options for the link for braun: Choose a delivery option: FREE Two-Day Shipping on this order: Get fast, free delivery on this order by selecting "FREE Two-Day Shipping with a free trial of Amazon Prime" below. Wednesday, June 5 FREE Two-Day Shipping with a fre...

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Perhaps next time take a screen shot where it says there is free shipping and a screen shot where there are only paid shipping options. That might help to contest the fee. Also, if you post proof on social media, perhaps they will be shamed into fixing the problem. I haven't had that problem myself....

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For people living in agricultural communities, there was an agricultural depression that lasted the entire decade of the 1920s. So For these communities, there was a decade long farm depression followed immediately with no break by the Great Depression. The 1920 census marked the first time in which...

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mhalley wrote: ↑
Sun May 26, 2019 8:59 pm
Switching to Ooma would prbly be cheaper, 10$ a month.

My Comcast landline is $10 per month (there might be some taxes also). I have an AT&T answering machine and don't use Comcast voice mail. I never had any complaints about "answering service not available."

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This is an interesting tangent. I know that the value of living trusts is downplayed on the forum, but I can't help but wonder if they just make this all simpler. If the probate estate is zero, none of this is even a concern. I share your perspective. My mother has a car outside her trust. No proba...

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It was hoped that this would spur massive increases in employment and capital goods spending but in practice it has mostly been spent on increasing dividends and corporate stock buybacks, giving money back to investors. Repatriation of foreign profits has now slowed now to a trickle. The sugar high...

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It was hoped that this would spur massive increases in employment and capital goods spending but in practice it has mostly been spent on increasing dividends and corporate stock buybacks, giving money back to investors. Repatriation of foreign profits has now slowed now to a trickle. The sugar high...

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Got it. NLY is indeed a very different animal than VNQ. Like VNQ, not a big down day today compared to the broad stock markets, at about -0.6% (price = 9.56). However, unlike VNQ, it's down about -11.3% from its 52-week high, and only about 0.6% above its 52-week low of 9.50, which was earlier toda...

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Start with the Wiki. Also, to invest you will need to open up an account with a parent as primary owner. I don't think this is quite correct. The account needs to be opened as a custodial account with a parent or guardian as the custodian, but the money can only be used for the benefit of the minor...

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Be sure to order sopapillas for dessert when in NM!

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... The fact you could take MORE than the RMD is a judgement call. Do you really plan to liquidate all your 401k/tax deferred at once, then yes IRS would call that income. You can even report that to a credit card issuer, but next year you better update your income with the credit card issuer when ...

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Unemployment rate for college grads is around 2.1% based on latest data. Getting a job may require: The OP has a job, so he or she is part of the 97.9% of college grads in the work force with a job. The quoted statistic does not specify how many of those employed are working at jobs that don't requ...

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From: https://www.nerdwallet.com/blog/credit-cards/credit-card-companies-lying-application/ "Can Credit Card Companies Tell If You Lie on an Application?" "If you knowingly report any inaccurate data on a credit application, you’re committing fraud. Credit fraud can cost up to $1 million in fines an...

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You could use the spreadsheet available here: https://www.bogleheads.org/wiki/Calculating_personal_returns You would need to enter each month any money added or removed from the account and the account value at the end of the month. Edit: You also need to enter a starting balance. It gives money-wei...

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"Recent grads who end up in jobs that didn’t require a college degree are five times as likely to still be in such a position five years later, compared with those who put their diploma to use right away." "Ten years later, three-quarters of graduates who took jobs early on that didn’t demand a degr...

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I've been told more than once by new car dealers that I must fill out a complete credit application and agree to (and pay for) a credit check even if I'm paying with a personal or cashier's check. Because of this they said there's no reason to go through the trouble to get a cashier's check. They s...

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Thanks for that link. Once the price is agreed on, and I come in with a cashiers check for the drive out price they have given me, is there any other tricky stuff they will try at the closing? I ask for an "out the door" price meaning that I expect registration, all taxes, and fees to be included i...

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I have a question. Currently part of the Federal Reserve Banks mission is to control inflation. Were they actively trying to do this during the high inflation periods we have seen in the past? In the 70s there was stagflation, both high inflation and high unemployment. Arthur Burns served as Fed Ch...

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I was born after 1960 so my full retirement is at age 67. At that time my wife will be 64 If i start receiving soc sec at 67 can she get the half of what i get at the same time or she has to wait until 67? First, if your wife files for benefits after you have claimed your benefits, the Social Secur...

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At an inflation rate of 2.34%, $50,000 in expenses in today's dollars will cost $70,738 in 15 years and $100,077 in 30 years. So a fixed annuity or pension will only have 1/2 the purchasing power after 30 years at that rate of inflation. Note: I'm not against fixed annuities or pensions but people s...

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https://en.m.wikipedia.org/wiki/Warren_Buffett "The arithmetic makes it plain that inflation is a far more devastating tax than anything that has been enacted by our legislatures. The inflation tax has a fantastic ability to simply consume capital. It makes no difference to a widow with her savings ...

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I have a vague memory something like "the yield curve inversion has predicted 15 of the last 10 recessions". :D "The stock market has predicted nine of the past five recessions—a joke from master Keynesian of decades ago Paul Samuelson." https://www.forbes.com/sites/briandomitrovic/2018/11/22/the-s...

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https://sf.curbed.com/2018/6/26/17505550/low-income-limit-2018-salary-san-francisco-families-hud "Six-figure salary now considered ‘low-income’ in SF, according to feds" In 2017, "... HUD assessed the city’s median household income at more than six figures, $101,200/year at the time." A little bit o...

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Retirement plans such as 401(k) or state employees retirement or federal plans have much stronger protection against creditors. If you are sued for some reason the IRA doesn’t have much protection at all. IRAs do not have federal creditor protection, but about 90% of states have full state creditor...

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Previous 3 recessions, mapped to 10 yr/3 month https://farm8.staticflickr.com/7848/40479412193_4267ddf2a7_z_d.jpg There are so many inversions in this graph. Why only inversion close to recession is called out leaving every other inversion? Is there a thing called % inversion or inversion for X dur...

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After a decade of QE and with interest rates low here here and 0 or below 0 in most of the industrialized world, the Fed is already out of conventional ammo. Furthermore, during the last recession there was massive deficit spending to help stimulate the economy. The US federal public debt as a perc...

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Second sign of a real problem, 30-50% unemployment, we are no where near that. Last time we had a problem like that was in the real Great Depression. I don't think even during the Great Depression unemployment was that high. https://en.m.wikipedia.org/wiki/Great_Depression "Unemployment in the U.S....

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I would ask that the plywood be covered. Also, joints should be taped with tape designed for house wrap. I don't know about these brands, but my preference is Tyvek brand due to it's properties of keeping liquid water from entering the house but allowing water vapor to exit the house (all house wrap...

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Don't understand the question. The insured person, the owner, and the beneficiary have different meanings. The insured person could be the owner but doesn't have to be. In any case the proceeds should be paid to the beneficiary without going through probate. What you may be thinking of is estate tax...

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... Nearly all of her assets are tied up in IRAs (not Roth) and she’s square in the middle of the point where any additional unnecessary IRA withdrawals cause her social security to be taxed at 85%. Would it make sense to use the cash value in the policy to pay the premiums for a while? Another opt...

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You might want to consider whether monitoring is necessary. The following video has some comments on that topic from 33:00 to 37:00. Basically about the high cost to police departments and that the police usually will arrive too late even if the alarm is real. Also, having a dog (even a Golden Retri...

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I usually pay cash at restaurants, partly because I'm concerned with the card becoming compromised. I used to pay cash for groceries also, but finally decided I was giving up too much in cash back rewards. I think credit card fees to the business owner are way too high, so I do completely understand...

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How did she cash them? If cashed at a bank, the bank should send a 1099 with the amount of interest. I don't think the IRS is responsible for sending this information. Another way, If you know the face value of the bonds, you should be able to figure how much the bonds originally cost (EE bonds cost...

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Maybe this would be a solution. See video from 2:00 - 2:20.
https://m.youtube.com/watch?v=KgoVxYXxvmI
Or this one:
https://m.youtube.com/watch?v=ZYS1tsRHiD8

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What percentage of the activity was each bonus? If within the fees earned by the bank, then I could see it being considered a rebate.

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I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appear to be the same. Did you actually look at where that link takes you? That’s an early release version of the 2019 tables. Nothing to do with the 2018 tables. The withho...

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I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appear to be the same. Did you actually look at where that link takes you? That’s an early release version of the 2019 tables. Nothing to do with the 2018 tables. The withho...

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The 2019 withholding tables will result in more withholding vs 2018. For those who wish to get into it, the official IRS withholding tables for 2019 can be found here . I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appe...

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Since it appears your relative did not even name beneficiaries on her accounts, I would try to get it put of your head that you are entitled to anything, and simply let the process run its course. Disagree. In general, each state has very specific rules regarding who should get property when there ...

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- Schwab cali muni money fund (SWKXX). I am in California and in 35% tax bracket filed jointly, so with SS, medicare and state tax it almost go to 50%, hitting AMT last year (but haven't checked this year yet). Thus I am looking into tax-exempt options. As schwab advertised the after-tax yield of S...

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You have a year to use up your 6-months worth of benefits. So you can skip weeks if you want to if you go on vacation and aren't actually actively job searching. But given how easy it is to job search online I hardly see they point. It may vary by state, but at least in one state I know of, a requi...

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For those that have used Carvana, how did you choose the make/model? I don't think I would be comfortable buying a car "completely online" as the commercial says. That would seem to exclude test driving various models, evaluating the seat comfort, etc.

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When you rent a car, don't you have to electronically sign your name on one of those signing pads? Also, don't they have to input your driver license number? I have always had to produce my driver's license and the credit card I am using when I rent a car. With Avis Preferred, you can generally go ...

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Last year I had a similar issue. During a trip to IKEA, I was erroneously charged for several hundred dollars worth of merchandise I did not intend to purchase. IKEA manager tried to reverse the charge on the same day, but it still eventually posted and I never received a credit. After several week...

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